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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,342 | $59,440-55.7% | $78,004-66.2% | $82,637-68.1% |
| Participation rate | 69.1% | 62.8%+6.3pp | 69.4%-0.3pp | 68.1%+1.1pp |
| Annual return | 12.31% | 40.24%-27.9pp | 31.07%-18.8pp | 53.51%-41.2pp |
| Employer contribution / active EE | $451 | $1,750-74.2% | $2,469-81.7% | $2,552-82.3% |
| Participant deferral / active EE | $3,087 | $3,138-1.6% | $4,092-24.6% | $4,126-25.2% |
| Admin fee / account holder | $4,389 | $5,504-20.3% | $7,578-42.1% | $7,339-40.2% |